Originally Posted by
DarkStarr
does something like that have to be documented (like it was discovered by a doctor before policy) or is it something where they had said they knew about it in general?
there is usually a 'contestable' period where an insurance company can contest the information on your application... the duration of this period can vary based on the $$ you spend on your policy... from 5 days (very expensive policys with extensive background information needed), to 2 years (which is the usual on all policies)
so if she said 'i was not treated for cancer' on her application... then 4 months later she has cancer... we 'contest' it... if we find out if she had treatment for (or knew she had cancer) in the 6/12 months (depends on policy) before the application, we cancel her insurance and refund the 4 months of premiums.
:shrug: